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When taking a standard mortgage (which is called a Capital & Interest mortgage), borrowers are
usually required by their lender to take out a form of mortgage protection life cover to clear any
balance outstanding on the mortgage should the borrower die during the mortgage term. This
ensures that the borrower’s dependants are protected and will own the property in full without any
outstanding mortgage thereby protecting them against the loss of either the second or in some
cases the main income.

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Typically home insurance will protect individuals against financial
losses arising from unforeseen events which may occur to your home and its contents such as fire,
storm damage or any theft which may have occurred.